savings account a and savings account B both offer aprs of 11% but savings account A compounds intrest quarterly while Savings Account B compounds intrest semiannually. which of savings account offer the higher APY

The answer is savings account A.

Since savings account A compounds the interest quarterly it adds interest to the account every quarter. This makes it a more profitable account than one that compounds the interest semiannually. The reason is that the bank is adding interest more frequently, so you are earning interest on the interest that the bank has already paid you.

savings account A, because it has more compounding periods per year